# Mortgage market developments in Slovakia and Czechia > Live situation record from CLSTR: https://clstr.news/situations/mortgage-market-developments-in-slovakia-and-czechia > Updated: 2026-09-21T03:00:00.000Z. Sources: 4. Developments: 2. In Slovakia, commercial banks have initiated mortgage assistance programs to support clients facing higher monthly payments due to interest rate refixations. This shift follows the end of a state-funded program by the Ministry of Finance. Banks like Tatra banka and ČSOB are offering to cover portions of the payment increases, with Tatra banka providing assistance for up to 75% of the difference, capped at 150 EUR per month. Eligibility for retroactive payments is subject to specific application deadlines. In the Czech Republic, financial focus has turned to key metrics for mortgage planning, particularly the Debt Service to Income (DSTI) ratio. Although the Czech National Bank removed mandatory upper limits for DSTI in 2023, a 40% threshold is recommended, while individual banks typically set limits between 40% and 50%. Experts emphasize that managing DSTI, Loan-to-Value (LTV) ratios, and the Annual Percentage Rate of Interest (RPSN) is critical for household stability against interest rate hikes and other unexpected costs. ## Timeline ### 2026-09-21: Mortgage planning: Key financial metrics for Czech borrowers Mortgage borrowers in the Czech Republic are advised to closely monitor DSTI and LTV ratios, interest rate fixation, and total costs (RPSN) to ensure long-term financial stability. 2 sources. https://clstr.news/cluster/mortgage-planning-key-financial-metrics-for-czech-borrowers ### 2026-08-23: Slovak banks implement mortgage assistance for rising rates Slovak banks are providing mortgage assistance to clients affected by rising interest rates, offering up to 150 EUR monthly, though retroactive payment eligibility is limited by specific deadlines. 2 sources. https://clstr.news/cluster/slovak-banks-implement-mortgage-assistance-for-rising-rates --- Cite as: Mortgage market developments in Slovakia and Czechia. CLSTR, https://clstr.news/situations/mortgage-market-developments-in-slovakia-and-czechia